GENERAL TERMS
AND CONDITIONS GOVERNING THE USE OF ICM INSURANCE BROKERS PRIVATE
LIMITED'S WEBSITE BY VISITORS, CUSTOMERS AND REGISTERED USERS

GENERAL

Definitions

In this Agreement, the
following expressions shall, unless the context requires otherwise,
have the following meanings

a. "person"
means -

an individual; or

a firm; or

a company formed under the Companies Act, 1956 (1 of
1956); or

a co-operative society registered under the Co-operative
Societies Act, 1912 or under any law for the registration of
co-operative societies; or

b. " Affiliate
of ICM" shall mean and include:

any company which is the holding or subsidiary company of
ICM; or

a person under the control of or under common control with
ICM; or

any person, in which ICM has a direct or beneficial
interest or control in 26% or more of the voting securities of such
person.

For the purpose of
this definition of Affiliate, "control" together with grammatical
variations when used with respect to any Person, means the power to
direct the management and policies of such Person, directly or
indirectly, whether through the ownership of the vote carrying
securities, by contract or otherwise.

c. "Bank
Account" refers to the Customer's account with bank acceptable to
the Company ("Approved Bank"), which may either be a current
account, savings account, fixed deposit, term deposit or any other
account facilities that ICM's Bank/ Approved Bank may offer from
time to time.

d."Call
Center " or "Customer Care Centre" means the call center set up by
ICM to assist Customers of ICM with respect to various transactions
and to furnish information etc.

e."Customer"means
a Policyholder accessing the Web Site for obtaining information
about various insurance products including access to all facilities
that are or may be provided / offered to the Visitors, Customers and
Registered Users from time to time on the Web Site.

f."Customer
Password" means the password or other means of authentication as
ICM may specify from time to time provided to/required to be
provided to the Customer, and using which the Customer may authorize
transactions which shall include but shall not be limited to
downloadable request for proposal and claim forms for various
general and life insurance products that are offered by various
Insurance Companies. ICM may decide to permit other transactions or
to discontinue existing transactions from time to time, further
details of which shall be provided on the Web Site.

g."ICM"
means ICM Insurance Brokers Private Limited, a Company incorporated
under the Companies Act, 1956, having its Registered Office at New
No. 6, Kalakshetra Avenue, 2nd Street, Tiruvanmiyur, Chennai - 41,
Tamilnadu and Registered with Insurance Regulatory & Development
Authority as Insurance Broker (Direct) with a Regn. No. DB388/07,
and would become a member of Insurance Brokers Association of India
before May 2009, (which term, unless repugnant to the context or
meaning thereof, shall mean and include its successors-in-interest,
administrators, executors, nominees and assigns)

h."Policy"
means the various general and life insurance policies of various
Insurance companies that ICM may introduce from time to time.

i."Policy
Holder" means a person who purchases a Policy from ICM.

j."Terms"
or "Terms and Conditions" means the terms and conditions for use of
the Web Site, as specified herein, by Visitors and Customers.

k."Transaction
Password" means the password, or other means of authentication as
ICM may specify from time to time, that is provided by ICM to the
Customer upon provision of which, the Customer would be able to
authorise transactions specified by ICM from time to time, further
details of which shall be provided on the Web Site.

l."Visitor"
or "User" or "Registered User" means any person
having access to the Web Site for general information about ICM and
its products and other facilities offered from time to time on the
Web Site.

m."Web
Site" means the portal located at the URL
www.easyinsuranceindia.com and www.ezeeinsuranceindia.com

n. "Visitor"
or "Customer" or "User" or "Registered
User" in masculine gender shall be deemed to include the feminine
gender and singular includes plural and vice versa.

s."Code
of Conduct" means code of conduct as prescribed under the IRDA
(Insurance Brokers) Regulations, 2002.

t."Insurance
Act" means The Insurance Act, 1938.

Applicability of
Terms

These Terms and Conditions, in so
far as they refer to the Visitor, User and Customer, form the
contract and agreement between such Visitor/Customer and ICM
unconditionally. By accessing the Web Site, the Visitor acknowledges
and accepts these Terms and Conditions.

TERMS AND CONDITIONS
OF USAGE OF THE SITE

Information
Services

ICM provides information in this
website about various insurance products available in the Insurance
Markets for the benefit of Customer/Visitor. The availability of the
information and guidance as part the Web Site does not constitute a
recommendation by ICM, to buy any policies etc., discussed there in
by ICM or any of their personnel. Any decisions to buy a policy will
be based solely on the Visitor's own evaluation of the policies /
products, and his/her need for the same. While adequate care would
be taken to ensure completeness, accuracy etc of the
information/services provided, neither ICM nor any of their
Directors, Employees, Advisors, Affiliates or subsidiaries shall in
any circumstance be liable to any person for any loss or damage
caused due to the reliance on information obtained through the Web
Site. It is the sole responsibility of the Visitor to evaluate the
completeness, accuracy or usefulness of any opinion, guidance or
other content made available on the Web Site and the Visitor should
consult her/his/its own legal counsel, business Advisor and tax
Advisor as to the legal, business, tax and related matters
concerning any policies with respect to which guidance is sought or
given.

Customer
Password and Transaction Password

In the event that
ICM has, or may from time to time, introduce or offer certain
services on the Web Site which require authentication procedures,
the Customer would be able to access such services by using the
Customer ID and the Customer Password. By using the Customer ID and
the Customer Password the Customer can authorize the transactions.
The Customer may be provided a Transaction Password, which would
enable the Customer to carry out such transactions as may be
specified from time to time. The Customer would not be able to carry
out the transactions without the use of the Transaction Password.
The terms governing the Customer ID, Customer Password and
Transaction Password are as follows:

Subject to the Terms, ICM shall take reasonable care to
ensure the security of and to prevent unauthorized access to the
services, which are part of the Web Site using technology
reasonably available to ICM.

The Customer confirms and agrees that he will be the sole
and exclusive owner and is the only authorized user of the Customer
ID and the Customer and/or Transaction Passwords and accepts sole
responsibility for use, confidentiality and protection of the
Customer ID and the Customer and/or Transaction Passwords as well
as for all transactions authorized by such password/s and shall
ensure that the password/s is/are not revealed to any third party
or recorded in any written or electronic form.

If the Customer forgets /loses the Customer ID or the
Customer /Transaction Password, or is otherwise desirous of a
change the said Passwords, the customer can request for change of
the password by using the options available in the website itself.
The Customer shall be responsible and liable for all transactions
that are carried out by the use of the Customer ID or the Customer/
Transaction Password.

Any transaction authorized by using the Customer ID and
Customer / Transaction Password is deemed to be that of the
Customer and ICM is not responsible for any mistake / error made by
the Customer as to the nature of the transaction. If third parties
gain access to the services offered through the use of the Customer
ID and Customer /Transaction Password, the Customer shall be deemed
to be responsible and the Customer hereby indemnifies and holds
harmless ICM against any liability, costs or damages arising out of
claims or suits by or against such third parties based upon or
relating to such access and use. The Customer shall be responsible
for providing and maintaining the communications equipment
(including personal computers and modems) and telephone or
alternative services required at the Customer's end for accessing
and using the Web Site or related services, and for all
communications service fees and charges incurred by the Customer in
accessing the Web Site or related services. It is the Customer's
responsibility to ensure that no unauthorized person has access to
its computer unattended whilst accessing the Web Site.

ICM would be entitled, at its sole discretion, to seek
offline written or other confirmation from the Customer of any
transaction as it may deem fit.

The Customer shall immediately notify ICM in writing,
delivered via e-mail and/or Registered AD, or notify through the
indicated telephone number of the Call Centre on the Customer
becoming aware of any loss, theft or unauthorized use of the
Customer ID and/or Customer/Transaction Password; or any receipt by
the Customer of confirmation of any transaction which the Customer
did not authorize; or any inaccurate information in the Customer's
account balances, securities positions, or transaction history. If
the Customer fails to notify ICM immediately upon the Customer's
knowledge when any of the above conditions occur, neither ICM nor
any of their officers, directors, employees, Advisors, Affiliates
or subsidiaries can or will have any responsibility or liability to
the Customer or to any other person whose claim may arise through
the Customer with respect to any of the circumstances described
above. Under no circumstances shall ICM or anyone involved in
creating, producing, delivering or managing the services which are
part of the Web Site be liable for any direct, indirect,
incidental, special or consequential damages that result from the
use of or inability to use the services, or out of any breach of
any warranty.

In the event that the certifying authorities and other
infrastructure contemplated under the Information Technology Act,
2000, for ensuring secure electronic records and secure digital
signatures is notified by the concerned authorities and the
infrastructure to enable the same is in place, ICM would have the
right to require the Customers to authorise use, operate or
otherwise authorise, the transactions by means of digital
signatures or other means of authentication as ICM may require
and/or discontinue the usage of the Customer Password and the
Transaction Password.

Subject to the
Terms and Conditions, ICM shall take reasonable care to ensure the
security of and to prevent unauthorized access to the services,
which are being provided through the Web Site using technology
reasonably available to ICM.

Authority
to ICM

The Customer irrevocably and
unconditionally authorizes ICM to carry out his instructions,
effecting such transactions as may be permitted by ICM from time to
time, in accordance with these Terms and such other terms as may be
specified by ICM. Certain transactions would be effected only after
the Customer authorizes it by using the Customer/Transaction
Password and ICM shall have no obligation to verify the authenticity
of any such duly authorized transaction.

Genuineness
of Transactions

In respect of any transactions which
may be permitted by ICM from time to time, ICM's own records of such
transactions, maintained through computer systems or otherwise,
shall be accepted as conclusive and binding for all purposes. More
particularly, the record of ICM generated by the transaction(s),
including the recording of the time of the transaction(s), shall be
conclusive proof of the genuineness and accuracy of such
transactions.

Selection
of Product

The suggestion of best Product
mentioned when comparing various products available would be based
on the Service Provider's judgment and experience of the best
product as far as features and claims process are concerned. This
should not be construed as ICM canvassing any particular product.

Policy
Expiry

The website shall have information
about the expiry of Policy. Customers are advised to issue insurance
orders online with a clear 5 working days before the expiry of the
policy. ICM will not be responsible for any expiry/lapsing of the
policy.

Though, entry of
information in various search and entry forms in the website would
help in detecting any obvious errors made by the customer, the entry
of data by the customer and subsequent preparation of policies on
the basis of this information is the complete responsibility of the
customer.

Claims Assistance

The website shall have information
about the Claims Assistance service to be provided by ICM. The
provision of claims assistance by the Service providers is a free
service provided by the Service provider to assist the customer. It
does not in any manner whatsoever assure the approval and payment of
the claim by the Insurance Company. The service provider would not
be responsible whatsoever for delay/non payment of claims by
Insurance companies.

Refunds

If, for some reason, the customer decides not to purchase
insurance from us after making the payment, he can request for a
refund. If we have not remitted the payment to the insurance
company by then, we will refund the amount after deducting Rs.150/-
of service charge.

If we had already handed over the money to the insurance
company for issue of policy by the time the customer requests for
refund, we will not be responsible for any refund. We will only
give the contact information of the insurance company to the
customer and the customer will have to approach the insurance
company for refund.

If, for some reason, the insurance company rejects issue
of policy to a customer, then the insurance company would be
responsible for refunding the money in full without deducting any
service charge. If payment was made by way of cheque to the
insurance company, the cheque would be returned back to the
customer.

If, after reviewing the proposal, the insurance company
demands additional premium to cover the risk, we would intimate the
same to the customer. If the customer does not want to make
additional payment, then we will refund the money in full without
deducting any service charge, if we have not by then remitted the
payment to the insurance company, provided the information provided
by the customer in the proposal was true and complete. If
however we have by then remitted the payment to the insurance
company, we will advise the Insurance company to refund the amount
and thereafter it is for the Insurance Company to refund the amount
and for the customer to follow up the refund.

In cases when a customer provides false information (for
example, he says that he is eligible for 40% discount whereas we
find later that he is eligible only for 30%) during payment and
consequently additional payment of premium is required, if the
customer is not willing to make the additional payment, then we
would refund the money after deducting Rs.150/- for service charge.

If the policy is already issued and the customer wants to
cancel the policy and wants a refund, he has to directly get in
touch with the insurance company. We will have no
responsibility for the cancellation or refund and will only assist
the customer to contact the insurance company.

If, for any other reason, we (not the insurance
company) are unable to process your policy within 30 calendar
days from the date on which the purchase was made, we
shall cancel the order and the customer shall be refunded after
deducting applicable service charge, if any.

Complaints
Handling Procedure

The Website has complaint handling
procedure regarding letters of instruction, policies and renewal
documents etc., for the benefit of customers. Any customer/visitor
having any query/complaint against the provision of services may use
this facility for the redressal of their grievances. The Service
Provider will be responsible only for rectifying any defects in its
website and ensuring delivery of customer's instructions/complaints
to the Insurance Company made through the Service Provider's
website. The Service Provider shall not be responsible for defaults
and non redressal of grievances on the part of the Insurance
companies.

Right
to Alter the Services

ICM reserves the rights to add,
amend, revise, suspend or cancel in whole or in part any of the
services which are, or may become, part of the Web Site, without any
prior notice to the Visitors or Customers. Any addition, suspension,
revision, amendment, cancellation or suspension shall be effective
and binding on the Visitors / Customers. ICM may introduce new
services in relation to the Web Site from time to time. The
existence and availability of the new services will be notified on
the Web Site as and when they become available and any revisions in
the Terms and Conditions will take place in accordance with these
Terms and Conditions.

Force Majeure

Service Provider shall not be liable
for any failure to perform any of its obligations if the performance
is prevented, hindered or delayed by a Force Majeure event such as
including, without limitation, unavailability of any communication
system, sabotage, flood, explosion, civil commotion, strikes or
industrial action of any kind, riots, war or acts of government,
other cause similar to which is beyond the reasonable control of
service provider.

Deemed
Use of the Website

The Website is deemed to be in use
when it is loaded in temporary or permanent memory of your computer.

Restrictions
on Use

The Visitor/Customer agrees to use
the Web Site strictly for personal use. The Visitor/Customer
undertakes not to use this Web Site for any illegal purpose or in
any manner inconsistent with these Terms and Conditions. The
Visitor/Customer agrees not to use, transfer, distribute or dispose
of any information contained in the Web Site in any manner that
could compete with the business of ICM or otherwise compromise or
imperil the interests of ICM. The Visitor/Customer acknowledges that
the Web Site has been developed, compiled, prepared, revised,
selected and arranged by ICM and others (including certain other
information sources) through the application of methods and
standards of judgement developed and applied through the expenditure
of substantial time, effort and money and constitutes valuable
intellectual property and may also include trade secrets of ICM and
such others. Visitor/Customer agrees to protect the proprietary
rights of ICM and all others having rights in the Web Site or its
content during and after the term of this agreement and to comply
with all reasonable written requests made by ICM or its suppliers of
content, equipment or otherwise to protect their and others'
contractual, statutory and common law rights in the Web Site. The
Visitor/Customer agrees to notify ICM in writing promptly upon
becoming aware of any unauthorized access or use of the Web Site by
any party or of any claim that the Web Site infringes upon any
copyright, trademark or other contractual, statutory or common law
rights. The Visitor/Customer may download and retrieve data from the
Web Site on his/her computer screen, print individual pages on
paper, photocopy and store such pages in an electronic form on disk
(but not on any server or other storage device connected to a
network) for his exclusive personal use only. The Visitor/Customer
further acknowledges that all the intellectual property in the Web
Site continues to vest with ICM.

The
Visitor/Customer shall not:

Reverse engineer, decompile, disassemble, copy, reproduce,
distribute, modify, transmit, perform, reproduce, publish or create
derivative works from or in any way exploit any of the services or
content in violation of the Terms and Conditions or the laws of any
country.

Create a database in electronic or structured manual form
by systematically downloading and storing all or any part of the
Web Site, save and except such information as relates to the
Policy, if you are a Customer.

Rent, lease, sell, sublicense, or lend your access to the
Web Site.

Cache or permit caching by any person.

Do any act that violates the Service Provider's
intellectual property in the Website.

Engage in any fraudulent, abusive or illegal activity,
including but not limited to any communication or solicitation
designed or intended to fraudulently obtain the password or any
private information of any use.

Use the Web Site to violate the security of any computer
network, crack pass words or security encryption codes, transfer or
store illegal material including threatening or obscene material or
engage in any kind of illegal activity.

h. Run mail list or any form of auto-responder, or spam on
the Web Site or any processes that are run or are activated while
the Visitor/Customer is not logged on.

Although ICM may, from time to time, monitor or review any
facilities, if established or otherwise offered at the Web Site for
discussions, chats, postings, transmissions, bulletin boards, and
the like on the Website, ICM is under no obligation to do so and
assumes no responsibility or liability arising from the content of
any such locations nor for any error, defamation, libel, slander,
omission, falsehood, obscenity, pornography, profanity, danger, or
inaccuracy contained in any information contained within such
locations on the Web Site. The Visitor/Customer is prohibited from
posting or transmitting any unlawful, threatening, libelous,
defamatory, obscene, scandalous, inflammatory, pornographic, or
profane material or any material that could constitute or encourage
conduct that would be considered a criminal offense, give rise to
civil liability, or otherwise violate any law. ICM will fully
cooperate with any law enforcement authorities or court order
requesting or directing ICM to disclose the identity of anyone
posting any such information or materials.

Access
restriction

ICM reserves the right to deny to
any Visitor/Customer, at ICM's sole discretion, access to the Web
Site, including any portion thereof, without any prior notice.

Intellectual
Property

ICM grant you the right to access
this Web Site in accordance with these terms and conditions, for
personal use and for no other purpose. Please note that the services
and content on the Web Site, including but not limited to text,
content, photographs, video, audio and graphics, are either the
property of, or used with permission by, ICM and/or by ICM's
suppliers and may be protected by applicable copyrights, trademarks,
service marks, international treaties and/or other proprietary
rights and laws of India and other countries. The trademarks, logos,
slogans and service marks (collectively the "Trademarks") displayed
on the Web Site, are registered and unregistered Trademarks of ICM
and others. Nothing contained on the Web Site should be construed as
granting, by implication, estoppel, or otherwise, any license or
right to use any Trademark displayed on the Web Site without the
written permission of ICM or such third party that may own the
Trademarks displayed on the Web Site. Any misuse of the Trademarks
displayed on the Web Site, or any other content on the Web Site,
except as provided in these Terms and Conditions, is strictly
prohibited. The Users are also advised that ICM will aggressively
enforce its intellectual property rights to the fullest extent of
the law, including the seeking of criminal prosecution. ICM shall be
entitled to obtain equitable relief (including all damage, direct,
indirect, consequential and exemplary), over and above all other
remedies available to ICM, to protect its interests therein.

Links
to third party web sites

This Web Site may contain links to
websites operated by parties other than us. Such links are provided
for convenience of the user only and ICM does not control such
websites, and is not responsible for their content. The use of such
websites is also subject to the terms of use and other terms and
guidelines, if any, contained within each such website. In the event
that any of the terms contained herein conflict with the terms of
use or other terms and guidelines contained within any such website,
then the terms of use and other terms and guidelines for such
website shall prevail. The User agrees to click on the links to, and
familiarize with, the terms of use and other terms found in the
sites to which this Web Site has links to, and abide by them.

The linked websites
are not under ICM's control and ICM is not responsible for the
contents of any such linked website or any link contained in a
linked website, advertisements appearing in or products offered by
or any changes or updates to such websites. ICM is providing these
links to the User only as a convenience, and the inclusion of any
link does not imply endorsement by ICM of the linked website.

Software
Available on the Web Site

Software or information (if any)
that is made available to download from this Web Site ("Software")
is the copyrighted work of ICM and/or its suppliers. The use of the
Software by the user is governed by the terms of the end user
license agreement, if any, which accompanies or is included in the
Software. The user may not install or use any Software that is
accompanied by or includes a License Agreement unless the user first
agrees to the License Agreement terms.

Indemnification

The user agree, at user's own
expense, to indemnify, defend and hold harmless ICM, its directors
and employees, representatives, suppliers and Advisors, against any
claim, suit, action or other proceeding brought against ICM, its
directors and employees, representatives, suppliers and as by a
third party, to the extent that such claim, suit, action or other
proceeding brought against ICM, its directors and employees,
representatives, suppliers and Advisors is based on or arises in
connection with the use of this Web Site, or any links therein,
including, but not limited to:

The use by the Visitor/Customer or someone else's use of
the Visitor/Customer's access to the Web Site.

The Visitor/Customer's use/operation or someone
using/operating or conducting any transactions, through the access
of the Visitor/Customer where applicable.

A violation of the terms and conditions contained herein
by the Visitor/Customer or anyone using his/her or any other
computer.

A claim that any use of the Web Site by user or someone
using user's computer infringes any Intellectual Property Right of
any third party, or any right of personality or publicity, is
libelous or defamatory, or otherwise results in injury or damage to
any third party

Any deletions, additions, insertions or alterations to, or
any unauthorized use of, the Web Site by the user or someone using
user's computer

Any misrepresentation or breach of representation or
warranty contained herein made by the user or

Any breach of any covenant or agreement to be performed by
the user hereunder.

The user agrees to pay any and all
costs, damages and expenses, including, but not limited to,
reasonable advocates' fees and costs awarded against or otherwise
incurred by or in connection with or arising from any such claim,
suit, action or proceeding attributable to any such claim.

Legal
Disclaimer

ICM shall try and ensure that all
information that is provided on the Web Site with respect to
policies / products are accurate in all respects and are kept up to
date. However, ICM does not guarantee the timeliness, accuracy,
completeness, reliability or content of the information and any
changes that are made with respect to the same. The Visitor/Customer
is required to check the accuracy of the same with the office of
ICM.

All transactions,
which cannot be carried out instantaneously, would be carried out
during working hours either on the same day or on the next working
day or such further period as may be determined and/or specified by
ICM depending upon the time of logging of the transaction

All transactions
that are carried out by and on behalf of the Customer shall be
subject to Government notifications, the rules, regulations and
guidelines issued by the IRDA, Reserve Bank of India, and any other
regulatory bodies defining rules/regulations governing the offer of
any service on the Web Site.

The Web Site is maintained by ICM and the use of the Web Site by the
visitor/customer is subject to the Terms and Conditions and all
applicable Indian laws. This Website is offered to the
visitor/customer on the condition that visitor/customer accepts the
Terms and Conditions contained herein, without modification or
reservation of any of the terms, conditions and notices contained
herein and by accessing and browsing this Website, the
visitor/customer accepts, without limitation or qualification, the
Terms and Conditions and acknowledges that any other agreement
between the visitor/customer and ICM are superseded and of no force
or effect. This Web Site may contain links to other websites,
web-pages and services also operated by ICM and / or its Affiliates
(the "ICM Sites"), and visitor/customer's use of each ICM Site is
also subject to the Terms and Conditions and other terms and
guidelines, if any, contained within each such ICM Site. In the
event that any of the terms, conditions, and notices contained
herein conflict with the Terms and Conditions or other terms and
guidelines contained within any particular ICM Site, then the Terms
and Conditions and other terms and guidelines for such ICM Site
shall prevail. The Visitor/Customer hereby agrees and confirms that
he/she shall click on the links to, and familiarize himself/herself
with the terms and conditions and other terms and guidelines found
throughout this Web site and the ICM Sites and abide by them if
he/she choose to use the sites, pages or services to which they
apply. The Visitor/Customer should assume that everything he/she
sees or reads on the Website (including but not limited to
directories, guides, news divs, opinions, reviews, text,
photographs, images, illustrations, profiles, audio clips, video
clips, trademarks, service marks and the like, (collectively "the
Content") is copyrighted/ protected by intellectual property laws
unless otherwise noted and may not be used except as provided in
these Terms and Conditions or in the text on the Website without the
prior written permission of ICM. ICM neither warrants nor represents
that the visitor/customer's use of materials displayed on the
Website will not infringe patent, copyright or any intellectual
property rights or any other rights of third parties not owned by or
affiliated with ICM. The disclaimer as set forth herein is in
addition to the legal disclaimer as specified in the website
www.easyinsuranceindia.com and www.ezeeinsuranceindia.com

Representations
& Warranties

ICM
undertakes to

follow recognised standards of professional conduct and
discharge its functions in the interest of the
customers/policyholders.

conduct its dealings with Customers /Policy Holders with
utmost good faith and integrity at all times;

act in line with the Code of Conduct with care and
diligence;

ensure that the Customer / Policy holder understands
his/her relationship with the ICM and on whose behalf the broker is
acting;

treat all information supplied by the prospective Policy
holders as completely confidential to themselves and to the
insurer(s) to which the business is being offered;

confirm that it does not employ agents or canvassers to
bring in business;

give advice only on those matters in which it is
knowledgeable and seek or recommend other specialist for advice
when necessary;

explain the procedures to follow in the event of a loss.

ensure that the consequences of non-disclosure and
inaccuracies are pointed out to the prospective Customer / Policy
holder;

avoid influencing the prospective Customer /Policy holder.

quote terms exactly as provided by insurer;

provide the Customer / Policy holder with prompt written
confirmation that insurance has been effected.

notify changes to the terms and conditions of any
insurance contract and give reasonable notice before any changes
take effect;

advise its Policy holders of any insurance proposed on
their behalf which will be effected with an insurer outside India ,
where permitted, and, if appropriate, of the possible risks
involved;

acknowledge a complaint within fourteen days from the
receipt of correspondence, advise the member of staff who will be
dealing with the complaint and the timetable for dealing with it;

ensure that response letters are sent and inform the
complainant of what he may do if he is unhappy with the response;

ensure that complaints are dealt with at a suitably senior
level;

advise the Policy holder in writing of the insurance
premium and any fees or charges separately and the purpose of any
related services;

ensure that its staff are aware of and adhere to the
standards expected of them under the code of conduct prescribed;

ensure that staff are competent, suitable and have been
given adequate training;

display in every office where it is carrying on business
and to which the public have access a notice to the effect that a
copy of the code of conduct is available upon request and that if a
member of the public wishes to make a complaint or requires the
assistance of the Authority in resolving a dispute, he may write to
the Authority.

being an Insurance broker as defined in these regulations
shall not act as an insurance agent of any insurer under div 42 of
the Act.

abide by the provisions of the Insurance Act,1938 (4 of
1938), Insurance Regulatory And Development Authority Act 1999(41
of 1999), code of conduct, rules and regulations made there under
which may be applicable and relevant to the activities carried on
by them as insurance brokers.

REPRESENTS
AND WARRTENTIES CUSTOMER/POLICY HOLDER

The
Customer/Policy holder

hereby irrevocably authorise ICM to represent the Customer
/Policy holder to the insurer and communicate the grant of a cover
to the Policy holder after effecting insurance;

hereby irrevocably gives mandate to ICM to represent the
Customer / Policy holder to the insurer/ reinsurer; and confirm
cover to the insurer after effecting re-insurance, and submit
relevant reinsurance acceptance and placement slips;

hereby acknowledges that the role of ICM in obtaining
insurance/reinsurance from the insurers is that of an agent of the
Customer/policy holder

hereby acknowledges to be fully aware of the consequences
of non-disclosure and inaccuracies

acknowledges that ICM has only given information and
general advise but has not influenced the decision of prospective
Customer /Policy holder.

undertakes to notify claims promptly and disclose all
material facts and subsequent developments as soon as possible;

undertakes to carefully check details of information given
in the documents and ensure that the information provided are true,
fair and complete disclosure in all respects. And in the event of
any discrepancy to bring it to the notice of ICM and the Insurers

undertakes to provide details of all subsequent changes
that might affect the insurance throughout the duration of the
policy;

undertakes to disclose all material facts within their
knowledge and give a fair presentation of the risk.

undertakes to conform to the provisions of div 41 of the
Act, which prohibits rebating and sharing of commission.

User's
Warranties

The User expressly agrees that use
of the Web Site is at his/her sole risk. The Web Site is provided on
an "as is" and "as available" basis.

Except as warranted in these Terms and Conditions, ICM
expressly disclaims all warranties of any kind, whether express or
implied or statutory, including, but not limited to the implied
warranties of merchantability, fitness for a particular purpose,
data accuracy & completeness, and any warranties relating to
non-infringement.

ICM shall not be responsible or liable for the authenticity,
accuracy, completeness, errors, omission, typographic errors,
disruption, delay, interruption, failure, deletion, defect of any
information, research, reports, analysis, quotes etc in this Web
Site or any part thereof.

ICM shall not incur any liability direct or indirect, to the
user or any third party, as a consequence of non-functioning of any
equipment belonging to the User, any third party or ICM. ICM shall
not be responsible for any downtime of such equipment.

ICM do not warrant that access to the Web Site will be
uninterrupted, timely, secure, or error free; nor do ICM make any
warranty as to the results that may be obtained from the Web Site or
as to the accuracy or reliability of the content contained therein.

ICM make no warranty regarding the transactions entered into
through the Web Site. No advice or information, whether oral or
written, obtained by the user from or through the Web Site or any
person shall create any warranty not expressly stated herein.

ICM shall not be liable for any action taken by the user
based on or relying on the information provided in or by the Web
Site.

ICM will not be liable for any virus that may enter the
visitor/customer's system as a result of the User using the Web
Site. ICM make no guarantees to User or third parties that the
content contained on the Web Site would be virus free. ICM will not
be liable for any direct, incidental or consequential loss, which
may be caused to the User as a result of his/her use of the Web
Site.

If the User is dissatisfied with any portion of this Web Site
or with any of these Terms and Conditions, his/her sole and
exclusive remedy is to discontinue using the Web Site.

Use
of "cookie" file features

ICM reserves the right to store
information on a user's computer in the form of a "cookie" or
similar file for purposes of modifying the Web Site to reflect
users' preferences.

Limitation
of liability

Under no circumstances, including
but not limited to negligence, shall ICM, its employees and
directors, its suppliers and its third party Advisors be liable to
the User for any direct, indirect, incidental, special or
consequential damages or any damages whatsoever including punitive
or exemplary (including, but not limited to, damages caused by any
virus, personal injury, loss of profits, data or other intangible,
business interruption, loss of privacy, or any other pecuniary
loss), arising out of or in any way connected with the
use/delivery/performance of this Web Site, with the delay or
inability to use this Web Site or any links or items on the Web
Site, the provision of or failure to provide services, or for any
information, software, products, services and related graphics
obtained through this Web Site, or otherwise arising out of the use
of this Web Site, whether based on contract, tort, strict liability
or other wise, or for cost of procurement of substitute goods and
repair & correction services or resulting from the use of this
Web Site or obtained or messages received or transactions entered
into through or from the Web Site or resulting from unauthorized
access to or alteration of visitor/customer's transmissions or data,
even if ICM have been advised of the possibility of such damages.

The User agrees that ICM shall not be liable for any damages
arising from interruption, suspension or termination of the Web
Site, including but not limited to direct, indirect, incidental,
special, consequential or exemplary damages, whether such
interruption, suspension or termination was justified or not,
negligent or intentional, inadvertent or advertent. Applicable law
may not allow the limitation or exclusion of liability or incidental
or consequential damages. However, in no event shall ICM's liability
to the User for all damages, losses and causes of action (whether in
contract or tort, including but not limited to, negligence) exceed
the amount paid by the visitor/customer, if any, for accessing the
Web Site.

Modification
of these Terms and Conditions

ICM has the absolute discretion to
amend or supplement any of these Terms at any time and will
endeavour to give prior notice of five days for such changes
wherever feasible. The modifications to the Terms shall be displayed
on the Web Site. In case where the Customer no longer wishes to use
the Web Site on such new terms and conditions he/she is entitled to
terminate his/her relationship in accordance with the termination
clause in these Terms. On and from the date on which the amendment
or supplement is notified by display on the Web Site, the Customer
shall, by virtue of these Terms and without any further act, deed or
writing on the part of any party, be deemed to have accepted the
changed terms and conditions by his further use/access or visit to
the Web Site.

Severability

If at any time any provision hereof
is or becomes or is held to be illegal, invalid or unenforceable in
any respect, the legality, validity or enforceability of the
remaining provisions hereof shall in no way be affected or impaired
thereby.

Notices

Notices under these Terms may be
given by ICM and the Customer in writing by delivering them by hand
or by sending them by post to the last address given by the Customer
and in the case of ICM to the address mentioned on the Web Site.

In addition, ICM may also publish notices of general nature,
which are applicable to all Visitors or Customers in a newspaper or
on its Web Site. Such notices will have the same effect as a notice
served individually to each Visitor or Customer.

In the case of hand delivery, cable, telex, facsimile notices
or electronic communication notices or instructions will be deemed
served 7 days after posting or upon receipt as the case may be.
Documents, which may be sent by electronic communication between the
parties, may be in the form of an electronic mail, an electronic
mail attachment, or in the form of an available download from the
Web Site. ICM shall be deemed to have fulfilled any legal obligation
to deliver to the Customer if any such document is sent via
electronic delivery. Any instructions received from the
Customer/Visitor by means of electronic delivery or by facsimile
would be deemed to have been sent on paper.

Applicable
Law

The validity, construction and
performance of this Agreement shall be governed by and interpreted
in accordance with the laws of the Republic of India.

Jurisdiction

ICM accepts no liability whatsoever,
direct or indirect for non-compliance with the laws of any country
other than that of India. The mere fact that the Web Site can be
accessed by a Visitor or a Customer in a country other than India
would not mean that the laws of the said country would govern these
Terms and/or the Web Site operations of the Customer and/or the use
of the Web Site by the Visitor or the Customer or the User.

The services available on the Web Site are being offered to
Residents of India only. Provided however, that such services are
not available to foreign residents including non-resident Indians
("NRI's") in foreign jurisdictions where the services cannot be
offered without prior regulatory compliance. It shall be the sole
responsibility of foreign residents including NRIs in foreign
jurisdictions to verify whether the services available on the Web
Site can be accessed and utilised in their respective jurisdictions.

However, NRI's can utilize the services available on the Web
Site for the insurance requirements of the Residents in India as
well as their insurance requirements arising in India.

The services which are part of the Web Site do not constitute
an offer to sell or a solicitation of an offer to buy any
policies/products to any person in any jurisdiction where it is
unlawful to make such an offer or solicitation.

Entire
Agreement

The Visitor/Customer/User
acknowledges that any rights not expressly granted herein are
reserved. These Terms and Conditions constitutes the entire
agreement between ICM and the User with respect to this Web site and
it supersedes all prior or contemporaneous communications and
proposals, whether electronic, oral or written, between the User and
ICM with respect to this Web Site.

Headings

The various headings used in this
Agreement are inserted for convenience of reference and are not
deemed to affect the construction of the relative provisions.

Right
to Sub-contract

ICM may sub-contract and employ
Advisors to carry out any of its obligations under these Terms and
Conditions. ICM may transfer or assign its rights and obligations
under this contract to any Affiliate.

Privacy
Policy

Privacy Policy as defined separately
under this website shall also forming part of this agreement.

Arbitration

In the event of any dispute or
difference arising between the parties as to their respective rights
or obligations in terms hereof or with regard to validity,
interpretation, implementation or alleged breach of the terms of
this agreement or incidental hereto including any dispute as to the
existence or validity hereof, the parties shall attempt in the first
instance to resolve such dispute through negotiation. If the dispute
is not resolved through negotiation within 30 days after the
commencement of such negotiation or such longer period as the
parties may agree in writing, then such dispute or differences shall
be referred to arbitration by a Sole Arbitrator jointly agreed and
appointed by the parties to the dispute failing which, to three
Arbitrators. Each Party shall nominate one arbitrator. The two
Arbitrators so appointed shall together nominate the 3rd Arbitrator
who shall be the Presiding Arbitrator. The venue of the arbitration
proceedings shall be Chennai, India and shall be governed by the
rules of the Arbitration and Conciliation Act of 1996. The decision
of the arbitrators shall be final and binding on all parties to this
agreement. The language used in the arbitration shall be English.

Motor Insurance

Vehicle insurance (also known as, GAP insurance, car insurance, or vehicle insurance) is purchased for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise there from the specific terms of vehicle insurance vary with legal regulations in each region...

Bike Insurance

The purpose of bike insurance is to protect you from financial loss if you have an mishap while driving your bike.Its primary use is to provide financial protection against theft of the vehicle and possibly damage to the vehicle etc..

Health Insurance

We can explain what each benefit means, what each exclusion means, and other details which you may find confusing. Not only do we help you get a policy, more importantly, we will also help you during the time of claim, if any, Act Now. Contact Us.

Business Insurance

Insurance coverage that protects businesses from losses due to events that may occur during the normal course of business. There are many types of insurance for businesses including coverage for property damage, legal liability, employee-related risks etc...

Life Insurance

Life Insurance to protect your family and save for future expenses.Get one lump sum at the end of policy payment period.Guaranteed payment every month for several years and Get Hospital Cash Benefits...

Note: Rs.200/- documents handling charge would be charged extra on top of your premium if your OD Premium is below Rs.2000 - Why do we charge this?

PaySame Or LessPremium than Buying Directly From the Insurance Companies.

You cancompare the premiumand benefits offered by various companies in one place.

We give youunbiased comparisonwithno preference to any specific insurer.

When you purchase your insurance from us, you can alsocall us for help during claim.

At www.easyinsuranceindia.com, you can get best premium quotes from almost all the insurance companies in India. Whether it is Bajaj Allianz, TATA AIG, Cholamandalam, ICICI Lombard, Royal Sundaram, New India, Oriental, United, National, HDFC Ergo, IFFCO TOKIO, Future Generali, Reliance or any other insurance company, our rates are the best.

By seeing the comparative price and features, you can pick and choose the company that you like. You can then purchase the policy online. We accept Visa, Mastercard, Maestro, and also Online bank transfer.

Just send the relevant documents by email and we would take care of submitting your documents, coordinating with the company, and getting the policy issued to you. In short, we save you time and money and we make it easy for you.

We process various types of car insurance for all kinds of cars, whether you need brand new car insurance, or need to renew the existing insurance policy, or get fresh policy because of expired policy, or policy for cars older than 10 years. If you own a luxury car, then we give additional discounts on premium amount so you will save more. If you like to get only third party insurance, we process that also. By law, you need to, at least, have third party insurance for your car.

If you are not happy with the current insurance company, we would be happy to find another insurance company to place your business with.

You can enjoy the end-to-end service we provide to ensure that your insurance reaches you on time, and it is the least expensive. We give maximum discount possible. Shop here and save Time and Money!